Flex Elite Credit Card Flex Elite Credit Card

Key Benefits

EI SmartMiles

EI SmartMiles

Up to 3.75 EI SmartMiles per AED 1 spend.

Easy Redemption

Airport Lounge Access

Complimentary unlimited access at 1000 lounges worldwide for Cardholder and 1 guest.

Valet parking

Valet Parking

2 Free valet parking service per month.

Instant Purchase

Complimentary Golf

Unlimited rounds of complimentary golf any day of the week.


Welcome Bonus

Welcome bonus of 75,000 EI SmartMiles upon payment of Annual Fee for the first year.

How to earn EI SmartMiles:

Flex Elite
International spend* Upto 3.75 EI Smart Miles per AED 1 spend
Domestic Spend* Upto 2.5 EI Smart Miles Per AED 1 spend

*For more details about EI SmartMiles earning rates please Click here.


Instant EI SmartMiles redemption at over 300 airlines and more than 180,000 hotels worldwide, car rentals and much more starting from as low as 4,000 EI SmartMiles.

Instant Purchase

Use the "Instant Purchase" feature to redeem your EI SmartMiles against any purchase, across the globe and at any merchant.

Just follow 3 simple steps.

Step1: Login using EI SmartMiles mobile app ‘or’ through www.eismartmiles.ae
Step2: Tap on "Instant Purchase" and make a choice
Step3: Go ahead & make your transaction using your Flex Card

Within 5 days the EI SmartMiles balance will be deducted from your account and a statement credit will be posted onto your Flex Card.

Complimentary Lounge Access

Enjoy unlimited complimentary access to over 1000 airport lounges with a guest.

For more details about the Lounge Key program please visit www.loungekey.com/visainfinitemena.

Terms & Conditions:

  • 1st visit to the Lounge in a calendar year is complimentary.
  • To utilize the subsequent complimentary visits in the same calendar year, customer needs to make a minimum foreign currency spend of USD 1 or equivalent, on both primary & supplementary cards. If the spend criteria is not met then customer will be charged US $27 to the card.
  • For every accompanying guest (above the 1 guest allowance), cardholders will be charged US $27 per person per visit

Multi Trip Travel Insurance

Travel with complete freedom and peace of mind. Your Emirates Islamic Flex Elite (Infinite) Visa credit card saves you the time and expense of organizing travel and medical insurance separately when you travel. You are automatically covered for travel accident and travel inconvenience insurance on all trips of up to 90 days duration. Visit https://cardholderbenefitsonline.com/ to get your travel insurance certificate.

Get 50% discount on domestic airport transfers

Enjoy 4 discounted (50% discount) airport transfers per annum (up to AED 50 per ride) with Careem. Use promo code UAEVI50 and pay with your Emirates Islamic Visa Infinite Card when you book your airport transfer with Careem. Click here to learn more.

Miles Exchange

Simply exchange your EI SmartMiles for Miles with our partner frequent flyer program with Emirates Skywards, Etihad Guest, and InterMiles.

10,000 EI SmartMiles= 1,000 Emirates Skywards Miles*
10,000 EI SmartMiles= 2,500 Etihad Miles*
20,000 EI SmartMiles = 4,000 InterMiles*

All you need to do is:

  • Login to www.eismartmiles.ae and click on the 'Miles exchange'.
  • Select the partner program and enter your membership number.
  • Select the EI SmartMiles quantity you want to exchange and press submit*.

*Your Miles will be transferred within 5 working days

Online Market Place

Indulge in a wide range of shopping options with EI SmartMiles online market place. Avoid the crowds and overcome queues. Get your hands on the latest fashion, state-of-the-art electronics and more, all from the comfort of your home.

Our e-vouchers let you and your loved ones get exactly what you want, anytime and anywhere. Choose your favourite apparels, electronics, toys and more and instantly receive an e-voucher for use at any mall within the UAE.

Unlimited Complimentary Golf Any Day of the Week

Enjoy unlimited complimentary golf at Arabian Ranches Golf Club or Track Meydan Golf Club on weekends or weekdays. To book your game, please click here and submit the completed form.

Free Valet Parking

You are entitled to Complimentary Valet Parking Service, two times in a calendar month. Any additional use of service will cost AED 80 and will be charged to your Primary Credit Card.

Click here for locations and Terms & Conditions.

Exclusive Visa Infinite Offers

We have partnered with VISA International to bring you exclusive discounts and special credit card offers. Your Flex Elite Card privileges connect you to a world of ever changing luxury. To know more click here.

All the benefits are subject to change without prior notice. Terms and Conditions apply.
Apply now to get one of the best Credit Card in UAE.

EI SmartMiles

About EI SmartMiles

EI SmartMiles rewards programme has been exclusively designed to offer customers travel, shopping and lifestyle benefits. What's more, you can redeem them without any blackout dates. Enjoy the flexibility to redeem your EI SmartMiles for free flights, hotels and retail transactions instantly anywhere in the world.

Get the App

The EI SmartMiles app is available on iOS and Android, click here to find out more.

Schedule of Charges

Please click here to view schedule of charges.

Card Benefits

Explore the benefits of using your Emirates Islamic Credit Card. Learn more about our security features, ways to pay and other card benefits.

Important information

Please click here to view Emirates Islamic Credit Cards – Important information.

Mazaya Offers

Mazaya Offers

Get unmatched benefits, discounts and privileges.

Know More »

Frequently Asked Questions

You can withdraw cash from any Emirates Islamic branch or from more than 780,000 ATMs around the world displaying the VISA logo, for a nominal fee.

Card payments can be made through a range of different channels including:

Cheque Payments
Cheque deposits through the Drop Box, which is available at all designated branches. Make sure that you write your name and Credit Card number on the back of the cheque.

Please Note: Cheques are sent for Clearing and payment is made after the funds are received, which can take 3 - 5 days

Exchange Houses
Payments through UAE Exchange, Al Rostamani Exchange, Al Fardan Exchange House and Al Ansari Exchange can be made in cash up to a maximum value of AED 35,000 per day. All payments will reflect in your credit card account in 2 to 3 working days.

Pay Bills Online
As an Emirates Islamic account holder, you can use your online banking service to pay your monthly bills online. Simply visit www.emiratesislamic.ae and log in to online banking. Call 600 599995 for assistance to link your Credit Card with your online banking account.

Online Auto Payment Facility
Schedule your monthly bill payment through your online banking account using the Auto Payment Transfer facility, which enables your monthly bill to be automatically deducted from your account at the click of a button.

Cash At Counter
Make a cash payment for your Emirates Islamic Credit Card at any of our branches during banking hours

Cash Deposit Machines
Make your payment by depositing the payment at one of our network of Cash Deposit Machines. You can make your payments even if you do not have your card with you, all you need is the card number.

You can get up to 4 supplementary cards for your family members and enable them to take advantage of discounts available on your primary card while earning reward points on every Dirham spent.

The Emirates Islamic Rewards Flex Card is fully compliant with the Shari'a principles. The card does not charge any interest to customers. As such, the bank charges a fixed profit for extending various features and benefits to customers.

Click here to view FAQs related to EI SmartMiles